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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,162 | $185,312-68.1% | $161,489-63.4% | $154,746-61.8% |
| Participation rate | 45.5% | 82.5%-37.0pp | 78.7%-33.2pp | 80.7%-35.2pp |
| Annual return | 17.20% | 103.84%-86.6pp | 89.72%-72.5pp | 172.34%-155.1pp |
| Employer contribution / active EE | $2,088 | $4,769-56.2% | $4,268-51.1% | $4,379-52.3% |
| Participant deferral / active EE | $3,153 | $6,350-50.3% | $5,630-44.0% | $6,730-53.2% |
| Admin fee / account holder | $10,190 | $18,654-45.4% | $16,006-36.3% | $14,365-29.1% |